Part 1: “Free Trial” Scams and The Main Operator Behind Them
Continuity Marketing ı By Jeff Watterson
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Load Balancing: A load balancer is a software tool that distributes "free trial" transaction across a number of merchant accounts for the primary purpose of keeping the chargeback count per each MID under 100 chargebacks per month. These tools are typically a part of CRMs.
Friendlies: prepaid debit card transactions that are processed to increase the total number of transactions to keep the chargeback ration below 1%.
CRM (Customer Relationship Management): this is a software tool used to manage customer relationships.
R.I.C.O. Act: The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the RICO Act or simply RICO, is a United States federal law that provides for extended criminal penalties and a civil cause of action for acts performed as part of an ongoing criminal organization.
Free Trial: a product or service that is offered to customers for free for a short period of time so they can try using it. Often times free trial schemes in the health and beauty industry go to great lengths to hide terms and conditions of sales.
Visa/Mastercard Chargeback Thresholds: there are the thresholds that merchants have to keep their charebacks under.
Bank Page: the website that is shown to the bank by the merchant at the UBO's direction to acquire the MIDs to process Visa/Mastercard transactions. This is a legally compliant website and is not the actual website that the user will use to promote the offer.
Landing Page: this is the website that the UBO has his affiliate marketers promote and is non-compliant. The reason for promoting the non-compliant page is that it converts consumers into customers at higher rates. Often the consumers don't know that they were enrolled in a continuity plan and this is by design so the UBO makes more money.
ISO: A merchant account is established under an agreement between an acceptor and a merchant acquiring bank for the settlement of payment card transactions. In some cases a payment processor, independent sales organization (ISO), or member service provider (MSP) is also a party to the merchant agreement.
Bank Fraud: the use of potentially illegal means to obtain money, assets, or other property owned or held by a financial institution, or to obtain money from depositors by fraudulently posing as a bank or other financial institution. In many instances, bank fraud is a criminal offence.
U.S. Postal Fraud: U.S. Postal Inspectors investigate any crime in which the U.S. Mail is used to further a scheme--whether it originated in the mail, by telephone, or on the Internet. The use of the U.S. Mail is what makes it mail fraud.
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